Cancer Care Image Header

Background Image

Cancer Care Insurance Plan

By your side when you need Cancer Care most.

Cancer Care Header Icon

Cancer Care Insurance Plan

When you face the high cost of cancer, you can count on the CSEA Cancer Care Insurance Plan to help you focus on your care.

Cancer Care IP - Tabbed Content

Overview

If you find yourself battling cancer, you may want help to cover the high cost of treatment and recovery. That's where this coverage comes in. The CSEA Cancer Care Insurance Plan, helps pay towards the cost of cancer – which may run into the thousands of dollars. Your current health insurance may not be enough to cover all of these costs.

That's why this coverage offers benefits – up to a lifetime maximum of $300,000.00* – to CSEA members who have been diagnosed with cancer. These benefits are paid directly to you or anyone you choose – not to doctors, hospitals or anyone else – to help with treatment such as:

  • Hospital bills
  • Chemotherapy
  • Doctor visits
  • Nursing care
  • Prescription drugs
  • Mortgage
  • Car payment
  • And more...

Even if cancer runs in your family or if you suffer from other serious medical problems – you are guaranteed acceptance into this plan as long as you have not been medically treated for or advised of cancer in the last 5 years, remain a CSEA member, and are under age 65.

This coverage provides benefits to pay for your fight against cancer. Apply for the CSEA Cancer Care Insurance Plan today.

*Individual benefits are subject to lifetime maximums that vary per benefit.

Benefits

Fighting cancer can be expensive. And we understand that if one day you were diagnosed with cancer, you'd want the best care money can buy. With the CSEA Cancer Care Insurance Plan, you will receive benefits to help cover the costs of treatment and recovery from cancer.

These benefits are paid regardless of your current medical insurance, and you are guaranteed acceptance as a CSEA member in good standing under age 65 who has not been medically treated for or advised of cancer in the last 5 years. When you're fighting for your life, the CSEA Cancer Care Insurance Plan will be there in your corner.

If the test comes back "positive for cancer" after you've been enrolled for 30 days, we'll pay the following benefits:

Daily Hospital Benefit: $100.00 per day for the first 10 days of each period of a covered hospital confinement. $200.00 per day thereafter, up to 90 days.

Extended Hospital Expenses: Then, after you've been in the hospital for 90 days, the plan pays $400.00 a day up to day 730.

Outpatient Prescription Drugs: Members are paid $10.00 for any prescription refill, up to a $1,000.00 lifetime maximum.

Attending Physician: $25.00 per day for doctors' visits (other than your surgeon) while hospitalized regardless of the number of physicians, up to the maximum of $1,000.00 per illness period.

Private Duty Nurse: $25.00 per day for private care by a contracted Registered Graduate Nurse or Licensed Practical Nurse while hospitalized. Maximum of $2,250.00 in benefits per illness period.

Ambulance: $100.00 benefit for ambulance transport to or from a Hospital; with an illness period maximum of $1,000.00.

Radiation & Chemotherapy: $100.00 daily benefit for radiation or chemotherapy treatments with a lifetime maximum of $2,000.00.

Blood & Plasma: Members are paid $100.00 daily benefit; with a maximum $500.00 for every illness period with a $1,000.00 lifetime maximum.

First Occurrence Benefit: Up to 10,000.00* for the first time you are positively diagnosed with cancer.

* Excluding a positive diagnosis of skin cancer. $7,500 benefit if first diagnosed at age 70 or older.

Monthly Rates for CSEA Members & Families:  

Member's Age Member Only Member & Spouse
18-49 $8.31 $13.32
50-64 $24.77 $39.61
65 & Over* $42.86 $68.56

Your Payment Options

You will be set up on payroll deduction for premiums monthly. Rates increase when you enter a higher age category as shown above. Rates and/or benefits may be changed on a Group basis.

Your Cancer Care coverage starts the first day of the month after your enrollment form and first payroll deduction is received. You cannot be singled out for cancellation, a benefit decrease, or an increase in your premiums or administrative rates due to a change in your health or occupation. Your benefits will continue in full force as long as you pay your premiums on time, remain a CSEA member in good standing, and the Master Policy No. 9202, under policy series 17-50995, remains in force.

* Not available for those age 65 and over at time of application.

There's no obligation with the program's 30 Day Free-Look. As soon as you sign up, we'll send you a certificate or policy of insurance. Look it over for a full 30 days. If you're not completely satisfied, just let us know. We'll cancel your coverage and give you a complete 100% refund of any premium you've paid as long as you haven't made any claims during that time.
* American Cancer Society. Cancer Facts & Figures 2018.

Terms

Please Read Regarding Your Cancer Coverage

EXCLUSIONS:

Benefits will not be paid under this Policy or any attached Rider for any loss caused by, resulting from or contributed by: Injury or Sickness other than Cancer; treatment or services performed outside of the United States.

PRE-EXISTING CONDITION LIMITATION:

No benefits will be payable for the Covered Person's Pre-Existing Conditions. A Pre-Existing Condition is defined as any Cancer (except Skin Cancer) that was Positively Diagnosed or for which medical treatment, services, or care was recommended or received from a Physician within 5 Years prior to the Covered Person's Effective Date of Coverage.

The Company has a right to rescind or void a Covered Person's insurance coverage if the Company finds that the Covered Person had a Pre-existing Condition. Any premiums paid for that Covered Person will be refunded.

This information is a brief description of important features of the plan. It is not a contract. Terms and conditions of coverage are set forth in Group Policy Number 9202, under policy series 17-50995. Additional information is contained in the Certificate of Insurance which is issued to all persons who become insured under the plan. Availability of this offer may change.

Benefit Waiting Period:

Benefits are not payable for Cancer diagnosed and treated within the first 30 days the Covered Person has been insured. However, benefits for treatment or services related to such Cancer are payable after coverage has been in force for 12 consecutive months from the Effective Date.

THIS IS A CANCER ONLY POLICY

Endorsed by: California State Employees Association

CSEA Logo

Offered by:
CSEA Group Insurance Administrators

Underwritten by:
Securian Life Insurance Company,
St. Paul, MN 55101

CSEA Logo

Administered by A.G.I.A., Inc.
PO Box 9997
Phoenix, AZ 85068-0997

A.G.I.A, Inc. is licensed and authorized to transact business in all 50 United States and the District of Columbia. Their state of domicile is California. J. Christopher Burke AR Insurance License #8876308.

Questions? Call toll-free +1-800-296-2732

IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS POLICY OR CERTIFICATE DUPLICATES SOME MEDICARE BENEFITS

This is not a Medicare Supplement Insurance Policy

This insurance pays a fixed amount, regardless of your expenses, if you meet the policy conditions, for one of the specific diseases or health conditions named in the policy. It does not pay your Medicare deductibles or coinsurance and is not a substitute for a Medicare Supplement insurance policy.

This insurance duplicates Medicare benefits because Medicare generally pays for most of the expenses for the diagnosis and treatment of the specific condition or diagnoses named in the policy.

Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:

  • Hospitalization
  • Physician services
  • Hospice
  • Outpatient prescription drugs if you are enrolled in Medicare Part D
  • Other approved items and services

Before You Buy This Insurance

  • Check the coverage in all health insurance policies you already have.
  • For more information about Medicare and Medicare Supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.
  • For help in understanding your insurance, contact your state insurance department or state health insurance assistance program (SHIP).

Union Form Download

Form Download
Cancer-Care-Insurance-Plan-Application.pdf Download
Cancer-Care-Insurance-Plan-Application.pdf
Download